The Ford Ka was first manufactured in 1996, and after 20 years, its production finished in 2016, being replaced by the new Ka+ model. The Ka went through three different generations, and is considered a regular and familiar sight on UK roads as it is known to be one of Britain’s favourite cars.
Keep reading to find out more about Ford KA car insurance costs and how you could save on your premiums.
Ford Ka insurance (all models) cost by driver’s age
These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused)
What is the average Ford Ka insurance rate?
We wanted to provide you with an idea of how much it may cost you to insure your Ford Ka, so using a scenario, we ran several quotes to get an average figure. In our scenario, you could insure your Ford Ka with a comprehensive policy for monthly payments of £43.54, or a single annual payment of £485.61, on average. To run these quotes, we used the following information:
The car is a 2016 model
The driver is a 30-year-old teacher from London
Manual transmission
Petrol
10,000 mileage per year
Factory-fitted Thatcham-approved alarm system
Used for social, domestic and commuting purposes
The car is not modified
The car is parked in a car park during the day
The car is parked on a driveway at night
Five years no claims discount
No driving or other convictions for the past 5 years
Which factors affect my Ford Ka insurance rate?
There are a wide variety of factors, both lifestyle and vehicular, that may affect your premiums. We’ve listed some of them below for you:
Your age, marital status, job and where you live
The model and age of your car
Your car’s safety rating, security and any anti-theft precautions
For premiums that don’t break the bank, we’ve devised a list of tips and tricks that may help you to save on your premiums. Our advice is:
Pay annually rather than monthly. By paying annually, you could save an average of £36.87 a year.
Make yourself a secure investment. Companies like to know that their customers are reliable, so if you keep a good credit rating and a clean history of no claims, you may find yourself being rewarded with lower premiums.
Be economical about your car usage. By opting to use public transport to get to work, or walking to the shops, you will keep your mileage, and your premiums, down
Don’t just accept your renewal quote. Renewal quotes aren’t always the best option out there, so make sure you compare some quotes and shop around.
Install extra safety precautions. Providers don’t like to insure risks, so by investing in some extra safety measures, you may find yourself saving money.
Avoid driving convictions.Convictions of any kind will increase your premiums, so you should do your best to avoid any.
Ford Ka facts
The Ford Ka was voted 5th for the nation’s favourite first car in 2017.
The Ford Ka has a fuel economy of 56mpg, and has between 69-83 horsepower.
The Ford Ka is a very popular first car for younger, less experienced drivers.
Bottom line
The Ford Ka is a popular city car, and it’s one of the more affordable cars to insure too.
Frequently asked questions
Depending on the model version, you can expect a Ford Ka to reach a top speed of 100 miles per hour.
The Ford Ka was tested by Euro NCAP in 2008, and its results are formulated within the old testing scheme. Whilst the Ka does not have an overall safety score, it received a 4/5 rating for its adult occupant safety, a 3/5 rating for its child occupant safety and a 2/4 rating for pedestrian safety. In the comments that accompanied the Ka’s test scores, it was noted that the small car served good protection for all of its occupants body regions.
As the Ka is somewhat dated, and is now no longer being produced, the safety features that come as standard are fairly limited and basic, but will still protect you in the event of an accident. The Ka comes with standard features such as airbags, as well as ABS with Traction Control to keep you safe in the event of an emergency, and prevent your car from skidding or its wheels from locking.
As previously mentioned, the safer your car is, the lower your premiums may be. For this reason, you may wish to invest in some extra safety measures for your Ka.
The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.
You can buy a Ford Ka at dealerships, using online sellers or from a current owner.
The Ford Ka provides good value for money, but it is limited when it comes to power and handling. It received an average 3-star rating when reviewed by What Car? and Autocar.
You can compare the costs of Ford Ka car insurance using any price comparison website.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio
Danny's expertise
Danny has written 368 Finder guides across topics including:
Find out how much it might cost you to insure a Ford Fiesta and how to save on your car insurance premiums.
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